BLUCURRENT
Charter #61790 · SPRINGFIELD, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.15% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.74% sits at the 89th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 56th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLUCURRENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $393.92M | 88th pct | 70th pct |
| Members | 24,274 | 87th pct | 72th pct |
| Net worth ratio | 10.32% | 32th pct | 56th pct |
| Return on average assets | 0.45% | 33th pct | 38th pct |
| Net interest margin | 4.15% | 79th pct | 75th pct |
| Cost of funds | 1.91% | 85th pct | 72th pct |
| Loan-to-share | 95.04% | 96th pct | 85th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 33th pct |
| Net charge-off ratio | 0.74% | 80th pct | 89th pct |
| Loan growth YoY | 4.86% | 86th pct | 80th pct |
| Share growth YoY | 2.58% | 37th pct | 39th pct |
| Efficiency ratio | 78.15% | 48th pct | 36th pct |
structural peer set hash: f05cb78da2fc2b59469d1ca159eec351… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.